Pankaj Bhatia

• Handled corporate portfolios with more than USD 3Bn of asset value across various industries and geographies (USA, Europe, MENA, and India) in the Corporate & Investment Banking (CIB) segment
• Originated new business and grown the Global Subsidiaries franchise by capitalizing on SCB's competitive attribute (Network) whilst selectively developing new relationships where required.
• Supported the MDs in consistently delivering USD 15-20M+ annual revenue budget by leading end-to-end deal execution involving product-partners engagement (e.g., Corporate Finance, Financial Markets, M&A, Transaction Banking) by leveraging on bank’s extensive network footprint.
• Identified cross sell opportunities and partnered with product specialists in delivering solutions across Treasury, Cash, and Investment products.
• Structured specialized trade & finance products based on the requirements of companies across all industries.
• Showcased the strength of cross-bank collaboration that led to a creation of AUM for SCB Private Banking division.
• Ensured suitability of requested debt structures to purpose, sources of repayment and risks involved.
• Organized and co-led Account Planning forums through collaboration with coverage teams across various geographies.
• Responsibly handled External & Internal Audits.
• Coordinated and conducted stress tests periodically to ascertain the health of the portfolios

Key Achievements

• Contributed towards creating US, Europe & India as one of the largest network corridors across MENAP
• Sustainable Finance: Issued first ever Green / Sustainable guarantees for Larsen & Toubro in Saudi Arabia
• Structured Trade Finance - Bespoke financing arrangement tailored to support cross-border oil procurements by one of the largest multinationals conglomerates.
• M&A - Participated in various cross border M&A activities across various industries (Cement, Retail) with recent highlight being the acquisition of Damas worth USD 280M.
• Attracted deposits & investments of USD 100M for corporate clients in 2025.
• Cross-bank referral to SCB Pvt Bank that generated AUM of USD 100M across 2024-2025.
• Participated in SCB being awarded Cash Management & Trade mandate for a top-tier IT distributor in Saudi Arabia

• Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
• Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
• Developed customized financial models to assess borrower's capacity, ensuring accurate credit evaluation.
• Worked with cross-border teams to improve the management of limits and exposures across geographies having conducted comparative analysis of risk vs return using portfolio data and provided recommendations for optimization of portfolio.
• Supported Senior Bankers on sales discipline requirements i.e. Account Planning process; pipeline maintenance; preparation of deal approval submissions.

• Reviewed credit reports of clients within Commercial Banking space (Middle Markets & Large Local Corporates) to comprehensively view borrowers' credit history and identify potential red flags.
• Gathered loan documentation for underwriting.
• Made decisions and recommendations about extending lines of credit.
• Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
• Improved financial risk management with meticulous analysis of financial statements and market trends.

• Provided direct sales support on post origination activities across a full range of banking services.
• Acted as a service partner and worked together with Relationship Managers, Product Sales, Operations, and other key internal stakeholders to solve client issues and identify opportunities to improve overall service for the clients.
• Performed client onboarding processes related to KYC documentation and account opening.
• Identified, managed, and escalated blockages that prevented KYC approvals.
• Collaborated with compliance to assess risks identified during the due diligence process (adverse media, sanctions, etc.)
• Provided support and advice to RMs within all lending units on all documentation related matters, including the origination of documentation for customers where required
• Ensured timely execution of projects by coordinating with various departments involved in the process from inception through implementation stages.
• Streamlined internal processes for increased efficiency in managing client information and project deliverables.
• Managed multiple client accounts, effectively prioritizing tasks to meet deadlines and achieve desired results.
• Mentored junior team members, sharing best practices for effective communication and relationship management skills.
• Built client relationships by responding to inquiries, identifying and assessing clients' needs, resolving problems, and following up with potential and existing clients.
• Handled complaints, provided appropriate solutions, and alternatives within appropriate timeframes and followed up to achieve resolution.